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Central Bank of India — Q1FY27 Earnings Call Summary
Key Takeaways
- Guidance: deposit growth 11-12%, advances growth 14-16%, NIM above 3%, ROA above 1%
- Recovery from technical written-off accounts expected ₹2,200-2,500 Cr in FY27
- Cost-to-income ratio stable at 55.40%; credit cost improved to 0.40%
- Total global business grew 18.29% to ₹833,320 Cr; deposits up 11.68% to ₹478,972 Cr
- Gross advances rose 28.58% to ₹354,348 Cr; CD ratio improved to 74.10%
- Gross NPA improved by 53 bps to 2.60%; net NPA at 0.49%, PCR ~95.86%
- Net profit increased 13.26% to ₹1,324 Cr; NIM at 3.06%, ROA 1%, ROE 14.92%
- RAM sector grew 21.38% with retail +23.92%, agriculture +21.14%, MSME +18.03%
- Undisbursed advances approx ₹5,000 Cr; treasury income ₹276 Cr; ECL provisions ₹1,525 Cr made
- Strategic initiatives: 1,000 trained credit officers joining Oct 2026, new branches, marketing push, centralized forex and BG cells
📄 Source: View original transcript (PDF)
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Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.